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Can a townhome be covered under an HO-6 insurance policy?

I am in the process of purchasing a townhome and would like to know if it can be covered by an HO-6 policy. Do townhomes fall under the same classification as condominiums, or will I have to get a regular homeowners policy?

May 9, 2019 Miramar, FL

Answer
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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

That depends on what parts of the property you are responsible for. If the townhouse shares walls and you are not responsible for the outside of the property but own the townhouse (like a condominium) then you qualify for an HO6. If you own the outside structure, you may need a regular homeowners policy. Good luck and if you have any questions, don't hesitate to ask.

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